Retiree Healthcare


All information contained within this website is subject to change.  Updates are ongoing.



Anthem 1-855-315-8928 (Anthem Customer Service Phone # is on your Anthem card)


Anthem Model Plan (Retirement On or After February 1, 2016 - Except Group C  )


Anthem Select Plan - (Retirement  Date On or Before January 1, 2016 and Group C Retirees)


Anthem Secure (Carve-Out Plan)  Closed Plan


Other Healthcare Benefits


Medicare D Prescription Plan


Kroger-Medicare D Reimbursement Plan


To learn more about OptumRx, please visit their website at  You will be asked to register and create a user name and password.  As a registered member, you can use this site to manage your  prescription drug benefits, order refills, sign up for text message reminders, track your orders, and view the status of your claims

Health Reimbursement Arrangement

What is an HRA?  (also known as a MERP)

An HRA, or a Health Reimbursement Arrangement, is a plan offered through the Cincinnati Retirement System (CRS) which reimburses your out-of-pocket medical expenses, including co-pays, co-insurance, deductibles, and premium differentials, associated with a pensioner’s (and their eligible dependents) enrollment in a non-City sponsored alternate group health plan.

For more information, click on the helpful links below...

HRA Features at a Glance


HRA Enrollment Form


Eligibility for Retiree Health Care

Current Employees Class of the Collaborative Settlement Agreement (CSA): 

Defined as “CRS members who were employed as of the effective date of the CSA and who participated in the CRS with at least five years of creditable service and who were actively employed or otherwise qualified for benefits on July 1, 2011, and who are members of Group C, Group D, Group E, or Group F as these terms are defined by Cincinnati Municipal Code ("CMC'') §203-1-Ml (b), (c), (d), and (e).”   Shall be entitled to retirement healthcare benefits as provided in the (CSA) if they retire with at least 30 years of creditable service regardless of age, or at or after age 60 with at least 20 years of creditable service (except for members of Group C, who shall be entitled to the same retirement healthcare benefits as members of the Retirees Class if they retire with at least 15 years of creditable service).  These Current Employees Class members shall receive the most favorable p1an available to active employees (excluding police, fire, and building trades) at the time of their respective retirements.

For Active CRS Members Hired On or After January 9th, 1997

Who meet the minimum service credit requirements, the cost for health care coverage depends on the member’s TOTAL full years of service credit AND their age at the time of separation from service. Total years of service credit include service earned while a member of CRS AND service transferred or purchased from other Ohio State Retirement Systems, Military Service, or Out-of- State Federal service.   Contact the Retirement Office for more information.

Rehired retirees

Cannot participate in CRS healthcare coverage if they are actively employed in any capacity by the City of Cincinnati. 

Dependent Eligibility for Health Care

Effective January 1, 2011, the following policy has been approved by both the Cincinnati Retirement System and Risk Management:

Spouses and dependent children who are actively employed by the City, but who are not eligible for the City’s health care plan due to the number of hours worked, may participate in the same CRS coverage as the retiree.


Retirement healthcare benefits are always subject to change and are not a vested benefit.